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	<title><![CDATA[401(k) plan and safe harbor Resources | BNET]]></title>
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	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to 401(k) plan and safe harbor]]></description>
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		<title><![CDATA[The 401(k) and (m) Regulations Enter the 21st Century]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=148008]]></link>
		<description><![CDATA[Comprehensive regulations under Sections 401k and m of the Code were finalized in 1991 and amended in 1994. These regulations had not been updated since 1994. Among the changes were the introduction of safe harbor alternatives to the actual deferral percentage ADP and actual contribution percentage ACP tests, catch-up contributions...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 01 Jul 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/401%2528k%2529+plan.html"><![CDATA[401(k) Plan]]></category>
		<category domain="http://resources.bnet.com/topic/safe+harbor.html"><![CDATA[Safe Harbor]]></category>
		<category domain="http://resources.bnet.com/topic/regulations.html"><![CDATA[Regulations]]></category>
		<category domain="http://resources.bnet.com/topic/government.html"><![CDATA[Government]]></category>
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		<title><![CDATA[Safe Harbor 401(k) Chart]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=93772]]></link>
		<description><![CDATA[From the executive summary: ‘The safe-harbor 401k plan is an employee benefit retirement plan suitable for corporations, partnerships, sole proprietors, and non-profit organizations. Each employer's goals, plan design, contribution sources and demographics form a unique scenario. The employer will wish to discuss the same with his or her plan provider...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 16 May 2003 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/employee+benefit.html"><![CDATA[Employee Benefit]]></category>
		<category domain="http://resources.bnet.com/topic/401%2528k%2529+plan.html"><![CDATA[401(k) Plan]]></category>
		<category domain="http://resources.bnet.com/topic/safe+harbor.html"><![CDATA[Safe Harbor]]></category>
		<category domain="http://resources.bnet.com/topic/401%2528k%2529.html"><![CDATA[401(k)]]></category>
		<category domain="http://resources.bnet.com/topic/retirement+plans.html"><![CDATA[Retirement Plans]]></category>
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		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
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		<title><![CDATA[New IRS Guidance on 401(k) Safe Harbor Rules Provides Flexibility for Plan Sponsors]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=75419]]></link>
		<description><![CDATA[The Internal Revenue Service recently issued additional guidance on safe harbor requirements for 401k plans. Safe harbor contributions formulas became available for most 401k plans beginning with the 1999 plan year. This article discusses safe harbor rules; a plan sponsor does not have to perform the actual deferral percentage ("ADP")...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 01 May 2003 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/401%2528k%2529+plan.html"><![CDATA[401(k) Plan]]></category>
		<category domain="http://resources.bnet.com/topic/safe+harbor.html"><![CDATA[Safe Harbor]]></category>
		<category domain="http://resources.bnet.com/topic/internal+revenue+service.html"><![CDATA[Internal Revenue Service]]></category>
		<category domain="http://resources.bnet.com/topic/plan+sponsor.html"><![CDATA[Plan Sponsor]]></category>
		<category domain="http://resources.bnet.com/topic/plan+year.html"><![CDATA[Plan Year]]></category>
		<category domain="http://resources.bnet.com/topic/401%2528k%2529.html"><![CDATA[401(k)]]></category>
		<category domain="http://resources.bnet.com/topic/retirement+plans.html"><![CDATA[Retirement Plans]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
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		<title><![CDATA[New IRS guidance on 401(k) safe harbor rules provides flexibility]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_qa5346/is_200007/ai_n21458702]]></link>
		<description><![CDATA[THE REVISED GUIDANCE PROVIDES plan sponsors with somewhat more flexibility.    ]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Sat, 01 Jul 2000 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/401%2528k%2529+plan.html"><![CDATA[401(k) plan]]></category>
		<category domain="http://resources.bnet.com/topic/internal+revenue+service.html"><![CDATA[Internal Revenue Service]]></category>
		<category domain="http://resources.bnet.com/topic/safe+harbor.html"><![CDATA[Safe Harbor]]></category>
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	</item>
	<item>
		<title><![CDATA[Safe harbor made easier for pension plans.]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb4798/is_200001/ai_n17430252]]></link>
		<description><![CDATA['True-up' obstacle eliminated by IRS       The Internal Revenue Service is removing a major administrative  hassle and expense for employers who want to offer generous 401k plans  that are exempt from non-discrimination tests.       A 1996 federal l...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 24 Jan 2000 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/401%2528k%2529+plan.html"><![CDATA[401(k) plan]]></category>
		<category domain="http://resources.bnet.com/topic/contribution.html"><![CDATA[contribution]]></category>
		<category domain="http://resources.bnet.com/topic/internal+revenue+service.html"><![CDATA[Internal Revenue Service]]></category>
		<category domain="http://resources.bnet.com/topic/pension+plan.html"><![CDATA[pension plan]]></category>
		<category domain="http://resources.bnet.com/topic/safe+harbor.html"><![CDATA[Safe Harbor]]></category>
		<category domain="http://resources.bnet.com/topic/.html"><![CDATA[]]></category>
	</item>
	<item>
		<title><![CDATA[IRS makes 401(k) rules a bit easier.]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb5250/is_200001/ai_n20090037]]></link>
		<description><![CDATA[WASHINGTON -- The Internal Revenue Service is removing a major  administrative hassle and expense for employers that want to offer  generous 401k plans that are exempt from non-discrimination tests.    A 1996 federal law that went into effect late las  WASHINGTON -- The Internal Revenue...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 24 Jan 2000 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/401%2528k%2529+plan.html"><![CDATA[401(k) plan]]></category>
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		<category domain="http://resources.bnet.com/topic/contribution.html"><![CDATA[contribution]]></category>
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		<category domain="http://resources.bnet.com/topic/safe+harbor.html"><![CDATA[Safe Harbor]]></category>
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	</item>
	<item>
		<title><![CDATA[IRS removes 401(k) safe harbor restrictions.]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb5252/is_200001/ai_n20171011]]></link>
		<description><![CDATA[WASHINGTON-New Internal Revenue Service guidance on requirements  employers must meet to offer 401k safe harbor plans removes a major  administrative hassle and expense for employers that want to offer the  plans.    Under an earlier IRS notice-now re  WASHINGTON-New Internal Revenue Service guidance on...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 24 Jan 2000 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/401%2528k%2529+plan.html"><![CDATA[401(k) plan]]></category>
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		<category domain="http://resources.bnet.com/topic/safe+harbor.html"><![CDATA[Safe Harbor]]></category>
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	</item>
	<item>
		<title><![CDATA[IRS loosens safe harbor rules.]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb5252/is_200001/ai_n20170972]]></link>
		<description><![CDATA[BACK IN 1996, Congress came up with a great idea to encourage  retirement savings: Employers willing to offer very generous 401k  plans would be exempt from the hassle of running non-discrimination  tests on those plans.    Everyone would win-Employee  BACK IN 1996, Congress came...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 17 Jan 2000 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/401%2528k%2529+plan.html"><![CDATA[401(k) plan]]></category>
		<category domain="http://resources.bnet.com/topic/internal+revenue+service.html"><![CDATA[Internal Revenue Service]]></category>
		<category domain="http://resources.bnet.com/topic/safe+harbor.html"><![CDATA[Safe Harbor]]></category>
		<category domain="http://resources.bnet.com/topic/.html"><![CDATA[]]></category>
	</item>
	<item>
		<title><![CDATA[IRS to relax restraints on safe harbor 401(k)s.(Statistical Data Included)]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb5252/is_200001/ai_n20170979]]></link>
		<description><![CDATA[WASHINGTON-The Internal Revenue Service is removing a major  administrative hassle and expense for employers that want to offer  generous 401k plans that are exempt from non-discrimination tests.    A 1996 federal law that went into effect last year g  WASHINGTON-The Internal Revenue Service is removing...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 17 Jan 2000 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/401%2528k%2529+plan.html"><![CDATA[401(k) plan]]></category>
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		<category domain="http://resources.bnet.com/topic/safe+harbor.html"><![CDATA[Safe Harbor]]></category>
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